LIC Housing Finance Limited has reported a strong financial performance for the fourth quarter ended March 31, 2026. The company achieved a profit after tax of ₹1,497.41 crore, reflecting a 9% increase year-over-year. Total loan disbursements for the quarter rose to ₹21,019 crore, marking a 10% growth. Additionally, the Board has proposed a dividend of 500%, amounting to ₹10.00 per share for the fiscal year.
Financial Performance Highlights
For the fiscal year 2026, LIC Housing Finance reported a total profit after tax of ₹5,595.15 crore, an increase of 3% compared to the previous year. The fourth quarter results were particularly notable, with the profit after tax reaching ₹1,497.41 crore, up 9% compared to the same period in the previous year. The net interest income for Q4 FY26 stood at ₹2,221.78 crore.
Growth in Loan Disbursements
The company demonstrated robust growth across its lending segments. Total disbursements for Q4 FY26 were ₹21,019 crore, against ₹19,156 crore in Q4 FY25. Individual home loan disbursements reached ₹16,672 crore, an 8% increase, while non-housing individual loan disbursements saw a significant jump of 25%, reaching ₹3,348 crore. For the full fiscal year 2026, total disbursements amounted to ₹66,544 crore.
Asset Quality and Portfolio Strength
Asset quality has shown consistent improvement, with the Stage 3 Exposure at Default (EAD) standing at 2.16% as of March 31, 2026, compared to 2.47% in the previous year. The outstanding loan portfolio has expanded to ₹3,20,707 crore. The total ECL provision stood at ₹4,569 crore as of March 31, 2026, reflecting the company’s prudent risk management practices.
Shareholder Value and Returns
Reflecting on the company’s commitment to shareholder returns, the Board has proposed a dividend of 500%, which equates to ₹10.00 per share. Key financial ratios for the year show an Earnings Per Share (EPS) of ₹101.72 and a Return on Average Equity (ROAE) of 14%, demonstrating sustained operational efficiency and profitability.
Source: BSE
